Call reports 2003
STATE NATIONAL BANK OF FRANKFORT, THE — 2003
What STATE NATIONAL BANK OF FRANKFORT, THE reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 120,197,000 | 129,470,000 | 123,494,000 | 122,220,000 |
| Total loans | 59,150,000 | 54,585,000 | 53,416,000 | 48,549,000 |
| Allowance for loan losses | 1,399,000 | 1,393,000 | 1,354,000 | 1,281,000 |
| Securities available for sale | 48,843,000 | 50,127,000 | 66,287,000 | 63,878,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 103,750,000 | 111,361,000 | 103,864,000 | 105,082,000 |
| Interest-bearing deposits | 93,209,000 | 99,070,000 | 92,925,000 | 94,223,000 |
| Noninterest-bearing deposits | 10,541,000 | 12,291,000 | 10,939,000 | 10,859,000 |
| Equity capital | 8,930,000 | 9,702,000 | 8,790,000 | 8,339,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,596,000 | 3,102,000 | 4,626,000 | 6,137,000 |
| Interest expense | 519,000 | 1,022,000 | 1,495,000 | 1,918,000 |
| Net interest income | 1,077,000 | 2,080,000 | 3,131,000 | 4,219,000 |
| Noninterest income | 95,000 | 211,000 | 312,000 | 417,000 |
| Noninterest expense | 867,000 | 1,753,000 | 2,634,000 | 3,523,000 |
| Provision for loan losses | 5,000 | 5,000 | 5,000 | 5,000 |
| Pretax income | 302,000 | 535,000 | 828,000 | 1,133,000 |
| Income tax | 52,000 | 78,000 | 131,000 | 233,000 |
| Net income | 250,000 | 457,000 | 697,000 | 858,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,249,000 | 8,456,000 | 8,371,000 | 7,932,000 |
| Total capital | 9,098,000 | 9,307,000 | 9,216,000 | 8,730,000 |
| Risk-weighted assets | 67,369,000 | 67,528,000 | 67,057,000 | 63,330,000 |